The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$62,397
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,338
−HK$1,971/mo
Today · 4.125%
HK$66,309
baseline
▲ 0.50% · 4.625%
HK$70,344
+HK$4,035/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,618/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,416
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,277
−HK$1,889/mo
Today · 4.125%
HK$73,166
baseline
▲ 0.50% · 4.625%
HK$77,023
+HK$3,857/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,332/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,876
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,205
−HK$2,366/mo
Today · 4.125%
HK$79,571
baseline
▲ 0.50% · 4.625%
HK$84,413
+HK$4,842/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,142/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,299
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,533
−HK$2,266/mo
Today · 4.125%
HK$87,799
baseline
▲ 0.50% · 4.625%
HK$92,427
+HK$4,628/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,598/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,355
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,073
−HK$2,760/mo
Today · 4.125%
HK$92,833
baseline
▲ 0.50% · 4.625%
HK$98,482
+HK$5,649/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,666/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,182
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,788
−HK$2,644/mo
Today · 4.125%
HK$102,432
baseline
▲ 0.50% · 4.625%
HK$107,832
+HK$5,400/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,864/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,314
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$115,808
−HK$3,549/mo
Today · 4.125%
HK$119,357
baseline
▲ 0.50% · 4.625%
HK$126,620
+HK$7,263/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,714/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,948
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$128,299
−HK$3,400/mo
Today · 4.125%
HK$131,699
baseline
▲ 0.50% · 4.625%
HK$138,641
+HK$6,942/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,398/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,965 · Scale 2, in force from 26 Feb 2026)